System for and process of facilitating financial transactions at point-of-sale employing electronic drop safes and point-of-sale terminals

ABSTRACT

An electronic system and process for facilitating a financial transaction comprising a drop safe and a point-of-sale (POS) terminal, disposed at a retailer location, in communication with one another in which the POS terminal receives, from a user, a request to commence a drop request and, in response, instructs the drop safe to commence a drop request, whereupon after acceptance of the drop request the drop safe accepts, via a currency acceptor, currency that is identified and authenticated, and upon completion of the drop, the drop safe ascertains the total amount of accepted currency and transmits the ascertained amount to the POS terminal which then completes the transaction. The drop request may occur during a transaction with a customer for the purchase of goods or services or at other times. Other features are disclosed.

REFERENCE TO RELATED APPLICATION

This application claims priority to U.S. provisional patent application No. 61/528,836, filed Aug. 30, 2011, which is incorporated herein in its entirety by reference.

FIELD OF THE INVENTION

The present invention pertains to system for and process of facilitating financial transactions at the point-of-sale employing electronic drop safe and point-of-sale terminals. More particularly, the present invention pertains to a system having both an electronic drop safe and a point-of-sale (POS) terminal, both suitably programmed, operating in communication with one another to provide various improved and unique functionality during point-of-sale activity.

BACKGROUND OF THE INVENTION

Point of sale (POS) refers to the location (i.e., physical location) where a transaction, such as a consumer purchase transaction, occurs. Retailers that sell goods or services purchase or lease equipment to facilitate consumer purchase transactions. A typical retailer uses a computer, a cash drawer, a receipt printer, a barcode scanner, etc., to carry out transactions. Today, all of these components are integrated in electronic cash registers. In addition, retailers that accept cash often have one or more safes, which are typically stored in the facility's back-office. In general, when a cashier ends his/her shift, money within the cashier's register is put into the safe. Money is put into the safe for other reasons. In any event, safes are used to secure the money until the money is withdrawn, which is often carried out by armored car personnel.

In addition to the above-mentioned equipment, retailers now commonly use so-called point-of-sale (POS) electronic funds transfer (EFT) devices to facilitate the processing of credit and debit card transactions. These devices, which generally are portable (i.e., hand-held), have added significant convenience and speed to the retail checkout process.

OBJECTS AND SUMMARY OF THE INVENTION

It is an object of the present invention to modify existing devices in novel manners so that they cooperate together to achieve additional convenience and other benefits to retailers, as well as to consumers. Such other benefits are discussed below.

To achieve the foregoing and other objects, the present invention entails an electronic system for facilitating a financial transaction at the point-of-sale that comprises a drop safe disposed at a retailer location, the drop safe having a currency acceptor, an internal cassette, a processor and a communication device, the currency acceptor accepting and authenticating currency fed into the currency acceptor and transferring authenticated currency into the internal cassette, the processor producing deposit reports identifying contents within the sealed cassette, and the communication device capable of transmitting information. The system also has a point-of-sale (POS) terminal disposed at the retailer location. The POS terminal is portable and includes a processor, an input device, a display, and a communication device capable of communicating with the communication device of the drop safe. The processor of the POS terminal is programmed to commence a drop function upon receipt, via the input device, from a user of the POS terminal of a commence drop function instruction, and control the communication device of the POS terminal to transmit a drop request to the drop safe. The processor of the drop safe is programmed to accept the drop request, transmitted by the communication device of the POS terminal and received by the communication device of the drop safe, after carrying out a verification of an appropriateness of the drop request, control the communication device of the drop safe to transmit, upon acceptance of the drop request by the drop safe, a unique Drop ID to the POS terminal, the Drop ID representing the respective drop to be carried out, control, after acceptance of the drop request, the currency acceptor of the drop safe to receive currency fed into the currency acceptor, ascertain a total amount of currency received and authenticated by the currency acceptor, and control the communication device of the drop safe to transmit to the POS terminal the ascertained total amount of currency received and authenticated by the currency acceptor.

As an aspect of the present invention, the drop safe optionally does not include a keypad or a display.

As a further aspect of the present invention, the POS terminal includes a reader capable of reading identification information from a credit card and/or a debit card.

As another aspect of the present invention, the processor of the POS terminal is programmed to prompt the user, via the input device, to initiate the drop function during a transaction for a purchase of goods or services by a customer.

As a feature of this aspect, the processor of the POS terminal is programmed to ascertain a total amount of the cost to purchase the goods or services by the customer, and to prompt the user to initiate the drop function after the total amount of the cost to purchase the goods or services is ascertained by the POS terminal.

As another feature of this aspect, the processor of the POS terminal is programmed to ascertain an identity of each item to be purchased by the customer, to ascertain a respective cost of each identified item to be purchased, and to ascertain a total amount of the cost to purchase all the items to be purchased by the customer.

As another aspect of the present invention, the input device of the POS terminal includes a dedicated input key selectable by a user to instruct the POS terminal to commence the drop function.

As yet a further aspect of the present invention, the processor of the POS terminal is programmed to prompt the user to enter a tender type upon receipt of the commence drop function instruction, and to receive, via the input device, the tender type, the tender type being a bill validator drop or a manual drop, and the processor of the drop safe is programmed to control the currency acceptor to accept currency if the tender type received by the POS terminal is a bill validator drop.

As a feature of this aspect, the processor of the drop safe is programmed to control the drop safe to accept a manual drop if the tender type received by the POS terminal is a manual drop, the manual drop representing an envelope containing currency and/or a check.

As a further aspect of the present invention, the processor of the POS terminal is programmed to receive an amount to be dropped, the amount to be dropped representing a total amount of currency to be received by the drop safe.

As another aspect of the present invention, the processor of the POS terminal is programmed to control the communication device of the POS terminal to transmit to the drop safe an identification of the user of the POS terminal, and the processor of the drop safe is programmed to include, during the verification of the appropriateness of the drop request, a verification of the transmitted identification of the user of the POS terminal.

As yet another aspect of the present invention, the processor of the drop safe is programmed to associate the unique Drop ID with an amount of the respective drop, an identity of the user of the POS terminal, and the date and time of the respective drop.

As still yet a further aspect of the present invention, the processor of the POS terminal is programmed to control the communication device of the POS terminal to periodically transmit, to the drop safe, a query for a status of the drop safe during activity being carried out after acceptance, by the drop safe, of the drop request.

As a feature of this aspect, the processor of the POS terminal is programmed to include the Drop ID with each query transmitted to the drop safe, and the processor of the drop safe is programmed to control the communication device of the drop safe to respond to each query with a status of activity pertaining to the transmitted Drop ID.

As still yet another aspect of the present invention, the processor of the POS terminal is programmed to prompt the user to enter a tender type, and to receive, via the input device, a tender type of a bill validator drop or a payment by check, and the processor of the drop safe is programmed to control the currency acceptor to accept currency if the received tender type is a bill validator drop, and to control an imager in or associated with the drop safe to scan the check to produce an image file if the received tender type is payment by check.

As a feature of this aspect, the processor of the drop safe is programmed to capture select information from the image file representing the scanned check, the select information including a payee, an amount of the check, and/or a routing/account number of the check.

As another feature of this aspect, the processor of the drop safe is programmed to control the communication device of the drop safe to transmit, to the POS terminal, the image file of the check, and the POS terminal includes a printer, and the processor of the POS terminal is programmed to control the printer to print a receipt having printed thereon an image of the check using the transmitted image file.

As a further aspect of the present invention, the processor of the POS terminal is programmed to initiate an End-of-Day process and to control the communication device of the POS terminal to transmit, to the drop safe, an end-of-day instruction upon initiation of the End-of-Day process, and the processor of the drop safe is programmed to effect a change of business day upon receipt, by the communication device of the drop safe, of the end-of-day instruction.

As another aspect of the present invention, the POS terminal includes a printer, and the processor of the POS terminal is programmed to initiate a print select report process and to control the communication device of the POS terminal to transmit to the drop safe, after initiating the print select report process, a request for a select report, and the processor of the drop safe is programmed to control the communication device of the drop safe to transmit, to the POS terminal, report data corresponding to the transmitted requested report, and the processor of the POS terminal is further programmed to control the printer to print a report using the report data transmitted by the drop safe.

As a feature of this aspect, the select report is a cashier detail report, a regular shift report or a day report.

As yet a further aspect of the present invention, the processor of the POS terminal is programmed to prompt, via the input device, the user of the POS terminal to initiate the drop function during a bill payment transaction in which a customer desires to pay a bill, and the currency accepted by the currency acceptor of the drop safe is from the customer for the purpose of paying the bill.

In accordance with a process embodiment of the present invention, an inventive process of facilitating a financial transaction comprises prompting, by a portable POS terminal, a user of the POS terminal to initiate a drop function, receiving, by the POS terminal from the user, a commence drop function instruction, transmitting, by the POS terminal to a drop safe, a drop request, transmitting, by the drop safe to the POS terminal upon acceptance of the drop request by the drop safe, a unique Drop ID representing the respective drop to be carried out, receiving currency by a currency acceptor of the drop safe after acceptance of the drop request, identifying, by the drop safe, an amount of each received currency and verifying, by the drop safe, an authenticity of said each received currency, completing the drop function, and transmitting, by the drop safe to the POS terminal, a total amount of the currency received and verified by the drop safe.

As an aspect of this embodiment, prompting the user of the POS terminal to initiate the drop function is carried out during a transaction for a purchase of goods or services by a customer, and the user of the POS terminal is a cashier of a retailer from which the customer is purchasing the goods or services.

As a feature of this aspect, the process further comprises receiving, by the POS terminal, a total amount of the cost to purchase the goods or services by the customer, and prompting the user of the POS terminal to initiate the drop function is executed upon the POS terminal's receipt of the total amount of the cost to purchase the goods or services by the customer.

As another feature, the process further comprises ascertaining, by the POS terminal, an identity of each item to be purchased by the customer, ascertaining, by the POS terminal, a respective cost of each identified item to be purchased, and ascertaining, by the POS terminal, a total amount of the cost to purchase all the items to be purchased by the customer, and prompting the user of the POS terminal to initiate the drop function is executed upon the POS terminal's ascertaining of the total amount of the cost to purchase all the items to be purchased by the customer.

As a further aspect, the step of receiving, by the POS terminal from the user, a commence drop function instruction comprises identifying, by the POS terminal, of a selection by the user of a dedicated input key on the POS terminal.

As yet another aspect, the process further comprises prompting, by the POS terminal in response to receipt of the drop function instruction, the user to enter a tender type, receiving, by the POS terminal from the user, the tender type, wherein the received tender type is a bill validator drop or a manual drop, and the step of receiving currency by the currency acceptor of the drop safe is commenced only if the received tender type is a bill validator drop.

As a feature of this aspect, the process further comprises receiving, by the drop safe, a manual drop if the received tender type is a manual drop, and the manual drop represents an envelope containing currency and/or a check.

As a further aspect, the process further comprises receiving, by the POS terminal, an amount to be dropped, the amount to be dropped representing a total amount of currency to be received by the drop safe.

As yet another aspect, the process further comprises verifying, by the drop safe, an appropriateness of the drop request, wherein the drop safe does not accept the drop request if the drop request is not verified to be appropriate.

As a feature of this aspect, the process further comprises transmitting, by the POS terminal to the drop safe, an identification of the user of the POS terminal, and the step of verifying, by the drop safe, the appropriateness of the drop request includes verifying the transmitted identification of the user of the POS terminal.

As an additional aspect, the Drop ID is associated with an amount of the respective drop, an identity of the user of the POS terminal, and the date and time of the respective drop.

As a further aspect, the step of receiving currency comprises receiving by the currency acceptor of the drop safe currency that is manually fed by the user of the POS terminal.

As yet a further aspect, the process comprises transferring, by the drop safe, each received and verified currency within a secure, internal cassette disposed within the drop safe.

As yet another aspect, the process further comprises periodically querying, by the POS terminal, the drop safe to ascertain a status of the drop safe while receiving the currency.

As a feature of this aspect, the POS terminal, during each query, transmits the Drop ID to the drop safe, and the drop safe, in response to each said query, transmits the status of drop activity corresponding to the transmitted Drop ID.

Still as yet a further aspect, the step of completing the drop function occurs after receipt, by the POS terminal or the drop safe, from the user of an instruction designating the drop is complete.

Still as yet another aspect, the process further comprises prompting, by the POS terminal in response to receipt of the drop function instruction, the user to enter a tender type, receiving, by the POS terminal from the user, the tender type, wherein the received tender type is a bill validator drop or a payment by check, the step of receiving currency by the currency acceptor of the drop safe is commenced only if the received tender type is a bill validator drop, the process further comprising scanning, by an imager in or associated with the drop safe, a check to produce an image file if the received tender type is payment by check.

As a feature of this aspect, the process further comprises capturing, by the drop safe, select information from the image file representing the scanned check, the select information including at least a payee, an amount of the check, and/or a routing/account number of the check.

As another feature of this aspect, the process further comprises transmitting, by the drop safe to the POS terminal, the image file of the check, and printing, by the POS terminal, a receipt having printed thereon an image of the check using the transmitted image file.

As a further aspect, the process further comprises initiating, by the POS terminal, an End-of-Day process, wherein the POS terminal, upon initiating the End-of-Day process transmits to the drop safe an end-of-day instruction, and effecting a change of business day, by the drop safe, upon receipt of the end-of-day instruction.

As yet another aspect, the process comprises initiating, by the POS terminal, a print select report process, wherein the POS terminal, upon initiating the print select report process transmits to the drop safe a request for a select report, transmitting, by the drop safe to the POS terminal, report data corresponding to the requested report, and printing, by the POS terminal, a report using the report data transmitted by the drop safe.

As a feature of this aspect, the select report is a cashier detail report, a regular shift report or a day report.

As yet another aspect, the step of prompting the user of the POS terminal to initiate the drop function is carried out during a bill payment transaction in which a customer desires to pay a bill, and wherein the currency received by the drop safe is from the customer for the purpose of paying the bill.

Various other objects, advantages and features of the present invention will become readily apparent to those of ordinary skill in the art from the following detailed description of the invention.

BRIEF DESCRIPTION OF THE DRAWINGS

The following detailed description, given by way of example and not intended to limit the present invention solely thereto, will best be appreciated in conjunction with the accompanying drawings, wherein like reference numerals denote like elements and parts, in which:

FIG. 1 is an image of an exemplary system employing the present invention;

FIG. 2 is another image of the exemplary system employing the present invention;

FIG. 3 shows the insertion of a bill within a currency acceptor of the electronic drop safe that is a part of the system of the present invention;

FIG. 4 is another image showing the insertion of a bill within a currency acceptor of the electronic drop safe that is a part of the system of the present invention;

FIG. 5 is an image of an exemplary point-of-sale terminal that may be employed within the system of the present invention;

FIG. 6 shows a portion of an exemplary point-of-sale terminal, with a printed receipt, employed within the system of the present invention;

FIG. 7 is a schematic illustration of the system of the present invention;

FIG. 8 is a schematic illustration of the bill validator drop function of the present invention;

FIG. 9 is a schematic illustration of the stopping a bill validator drop function of the present invention;

FIG. 10 is a schematic illustration of the manual drop function of the present invention;

FIG. 11 is a schematic illustration of the end of day—business day change function of the present invention; and

FIG. 12 is a schematic illustration other functions of the present invention.

DETAILED DESCRIPTION OF THE PRESENT INVENTION

The system and process of facilitating financial transactions at the point-of-sale employing electronic drop safe and point-of-sale terminals in accordance with the present invention, also called herein point-of-sale (POS) CompuSafe® system and method, are innovations that significantly reduce costs and increase functionality in handling various commercial transactions as compared to when traditional electronic devices are employed to carry out such transactions. As described in further detail below, the present invention, also hereinafter referred to as, for convenience, “POS CompuSafe®” or “system of the present invention” or the like is comprised of an electronic drop safe and a point-of-sale (POS) terminal, both suitably programmed, in communication with one another that collectively carry out various transactions that provide at least the following benefits:

Benefits:

-   -   Reduction in number of separate components in the safe;     -   Reduction in the cost of these components by approximately 75%;     -   Reduced maintenance cost;     -   Adds PCI compliance to the traditional CompuSafe® safe;     -   Adds ability to process credit and debit card transactions by         the CompuSafe® safe;     -   Adds ability to combine the collection and processing of all         payment types (Cash, Debit, Credit, Check, etc.) in one device         for a retailer;     -   Incorporates within the system the ability to process bill         payment transactions; and     -   Other benefits as discussed below and appreciated from the         description herein.

The Point of Sale CompuSafe® System of the present invention includes an electronic drop safe (also called herein, for convenience, “drop safe” or simply “safe”) with certain capability, as herein described. As one example, a suitable drop safe that may be employed and modified as needed for use within the herein-described system and process of the present invention is the Brink's CompuSafe® 4000 safe. A discussion of the Brink's CompuSafe® 4000 safe is provided at Brink's Inc.'s website at http://www.us.brinksinc.com/services/compusafe_service_(—)4000.aspx and http://www.us.brinksinc.com/services/pdf/4000Series.pdf.

As another example, Brink's CompuSafe® 5000 safe may be employed and modified as needed within the system of the present invention. The CompuSafe® 5000 safe is a dual note acceptor type safe that fits under-the-counter or in the back-office of, for example, a retail establishment and allows employees the ability to take cash from customers and secure it immediately inside the safe. A discussion of the Brink's CompuSafe® 5000 safe is provided at Brink's Inc.'s website at http://www.us.brinksinc.com/services/compusafe_service_(—)5000.aspx.

Some of the features of the Brink's CompuSafe® 4000 safe and the Brink's CompuSafe® 5000 safe are discussed in U.S. Pat. Nos. 5,695,038; 5,975,275; and 5,944,163, which are assigned to the assignee of the present application and are incorporated herein by reference.

In both the Brink's CompuSafe® 4000 safe and the Brink's CompuSafe® 5000 safe, and as discussed in the above-identified patents, bill acceptors within the safe accept the cash and transfer the accepted cash into sealed cassettes disposed within the safe, and a processor produces deposit reports that identify the contents of the sealed cassettes. The deposit reports specifically identify the stored contents by denomination, the total cash deposit, and other information. The Brink's CompuSafe® 4000 safe and the Brink's CompuSafe® 5000 safe, however, are only exemplary safes that may be employed and modified as herein described within the system and method of the present invention. It is noted that the Brink's name and the CompuSafe® mark are registered trademarks of Brink's Network, Inc., the assignee of the present application.

In addition to an electronic safe, the present invention includes a point-of-sale (POS) electronic funds transfer (EFT) device, as herein described. Generic POS-EFT devices are well known and are often referred to as point-of-sale (POS) terminals. POS terminals are employed at retail establishments to process credit and debit card transactions. In a retail establishment, POS terminals have become the preferred way of processing credit cards, debit cards, checks, electronic benefits transfers (EBTs) and other electronic transactions in the traditional retail/restaurant environment. These terminals are used in “face-to-face” transactions where customers provide retailers with a card of some sort (e.g., credit card, debit card), the merchant swipes the customer's card through the POS terminal, keys in payment information and the terminal does the rest. There are many types of POS terminals available to retailers and some of these POS terminals are programmable.

Now referring to the accompanying figures, FIGS. 1-6 show an exemplary point-of-sale CompuSafe® system of the present invention, which is comprised of a suitably programmed electronic safe and a suitably programmed point-of-sale (POS) terminal. Referring to, for example, FIG. 1, the system 10 of the present invention includes an electronic safe 20 and a POS terminal 40. FIG. 2 is another image showing POS terminal 40 resting on top of the electronic safe.

As shown in FIG. 1, electronic drop safe 20 of the present invention includes a safe 22, currency acceptors 24 (24 a, 24 b), cassettes, a programmed processor, and a communication device. Safe 22, accessible via a locked door 26, contains at least one cassette (not shown in the figures) for storing currency that has been accepted by one of the currency acceptors. Each currency acceptor includes a slot for presenting currency for acceptance and operates in a manner well known in the art. As shown in FIGS. 3 and 4, a bill (currency) is inserted into a currency acceptor, which is then drawn into the safe through the slot. The bill then is examined to evaluate its authenticity. If the bill passes examination, the acceptor transfers that bill to a currency cassette contained within the safe. Bills that do not pass examination are rejected and not stored within the cassette. Each cassette is sealed, locked and accessible only to appropriate personnel, such as an armored-car messenger, with access to the safe. Since the construction and operation of a drop safe that includes one or more currency acceptors and currency cassettes, as well as the manner of removal of a currency cassette from the safe, are well-known in the art, further description thereof is not provided herein except where necessary for an understanding of the present invention. As one example, the construction and description of a suitable drop safe is described in U.S. Pat. No. 5,695,038, which is incorporated herein by reference.

Electronic safe 20 of the present invention further includes, as mentioned above, a programmed processor and a communication device. Programmed processor 30, along with associated memory 36, shown in the schematic illustration of FIG. 7, disposed within electronic safe 20 functions as a central processing unit (CPU) for the system and, along with associated memory, accepts signals from the currency acceptors 24 and other subsystems of the electronic safe, such as the mechanism for opening the safe's door. Processor 30 also is in communication with a communication device 32 disposed within the electronic safe 20. Communication device 32 of electronic safe 20 communicates with POS terminal 40 as further discussed below. Also, processor 30 and the other electronic devices within electronic safe 20 are suitably supplied with a source of power, as is well known in the art.

The POS terminal 40 of the point-of-sale CompuSafe® system of the present invention is portable and sufficiently small to be held and includes various components including, with reference to the exemplary POS terminal shown in FIG. 5, a display 42, a keypad 44, a card reader 46, as well as other components (not shown in FIG. 5) including a POS terminal communication component, a POS terminal processor, and memory. These components are well known and thus further description thereof is not provided herein except where necessary for an understanding of the present invention. As further discussed below, the POS terminal may include an integrated printer that prints receipts, such as shown in FIG. 6.

In accordance with the present invention, and with reference to the block diagram of FIG. 7, POS terminal 40 includes a processor 50, memory 52, and a communication component 54 that is in communication, preferably, in wireless communication with communication device 32 of electronic safe 20. Also as shown in FIG. 7, POS terminal 40 includes the components mentioned above including display 42, keypad 44 and card reader 46. The POS terminal may include various additional components and capability including a printer 56, a bar code scanner 58, and an IC (integrated chip) reader.

Processor 50 and associated memory 52 of POS terminal 40 are programmed to implement standard credit card and debit card transactions and, in accordance with the present invention, the operation of POS terminal 40 by a merchant is highly similar to that of credit card and debit card transactions by standard POS terminals that are not used with an electronic safe. During various other transactions, including cash transactions, POS terminal 40 in communication with electronic safe 20 operate in accordance with the present invention as described further below.

For purposes herein, a merchant is any entity that provides goods and/or services, such as a retailer (e.g., a grocery store), a restaurant, etc. For convenience, the generic term “retailer,” the term “merchant” and the term “commercial establishment” are interchangeably used herein to refer to an entity that provides goods and/or services. Also for purposes herein, a cashier of a merchant shall mean an individual, such as an employee of the merchant, operating the system of the present invention. Thus, a manager or other individual who does not officially have the title “cashier” still is a casher for purposes of the discussion herein if such individual is carrying out any of the operations described herein.

Bill Validator Drop

FIG. 8 is a schematic flow diagram of the bill validator (BV) drop function that is carried out by the system of the present invention. As shown, POS terminal 40 initially prompts, via display 42 (e.g., see FIGS. 5, 7), the cashier to make a cash “drop.” As discussed in greater detail below, the POS terminal requests a cash drop during or after various events, such as either during or after a cash transaction by a customer or when an associated cash register contains an amount of cash that exceeds a predetermined threshold, or other times in which a cash drop in the electronic safe is desired.

Upon being prompted to make a cash drop, the cashier selects the “Drop” function on the POS terminal's keypad 44. The “Drop” function may be a pre-programmed button on keypad 44 or a menu selection (e.g., via a menu displayed on display 42) or other suitable technique. Similarly, other “buttons” mentioned herein may be a dedicated button on the keypad, a menu entry or other suitable manner to select the function.

The POS terminal displays a “Display Drop Amount entry screen with Bill Validator Button,” which includes a field for the cashier to enter the amount of the drop and various options for designating the tender type (e.g., bill validator, manual). The cashier designates the amount of the drop and selects the bill validator button.

The next several steps entail communication between the POS terminal and the safe, via their respective communication devices, to verify the appropriateness of the function/operation, that the individual using the POS terminal is properly authorized, and for other security purposes. Optionally, the cashier is prompted to enter certain verification information (e.g., login name and password) into the POS terminal. After such verification, the POS terminal requests the safe to initiate a bill validator drop function. However, if the verification fails, such as a bad login, the POS terminal displays an error message and the drop transaction is terminated.

Upon a successful verification, the safe accepts the bill validator drop request and, in turn, transmits a Drop ID to the POS terminal for reference purposes. The Drop ID is utilized by both the POS terminal and the safe to identify the particular drop being carried out (e.g., to distinguish this drop from other drops that occur at other times). The Drop ID is associated with all relevant information, including the purpose of the drop, the date and time of the drop, the identity of the cashier, the identity of the POS terminal employed, the amount of the drop, the particular denominations of currency of the drop, etc.

The POS terminal provides a message, via display 42, to the cashier that instructs the cashier to go to the safe (in the event the safe is not disposed in the immediate vicinity of the cashier) and to begin inserting bills (i.e., currency) into the safe via the safe's currency acceptor 24. If the safe includes a display, the cashier's name or ID optionally may be displayed.

The cashier proceeds to insert bills within the safe's currency acceptor 24. As each bill is inserted, the currency acceptor identifies the denomination of the inserted bill and verifies the bill's authenticity in manners well known in the art. If the bill is deemed authentic, the bill is transferred into the safe's internal currency cassette.

While the cashier is inserting bills, the POS terminal continuously checks the status of activity of the safe. That is, the POS terminal periodically queries the safe for the status of the drop activity. In particular, the POS terminal transmits to the safe a query safe command along with the Drop ID to request the status of the particular drop currently in process. The safe, in turn, replies with the current status of the drop, which may include: “Invalid”, “Active”, “Stopping”, and “Complete.” An invalid status designates that the Drop ID does not specify a valid drop and an appropriate indicator is displayed on the POS terminal. An active status designates that the drop session specified by the Drop Id is still active and, in such case, the POS terminal continues to check the status. A stopping status designates that the drop session is currently being stopped. A complete status designates that the drop session is complete and totals are available. The POS terminal continues to query the safe until it receives the complete status.

After insertion of the last bill, the cashier designates that the drop is complete. Such designation, in one version, is carried out by inputting an appropriate instruction on an input device of the safe (e.g., depressing a dedicated key). In another version, the cashier inputs an appropriate instruction on the POS terminal (such as when the safe does not have any keypad terminal). Upon such designation that the drop is complete by the cashier, the status of the drop is changed from active to stopping, and finally to complete. The POS terminal, upon receiving the complete status from the safe, transmits to the safe a request to get the drop total (i.e., total amount of the drop). The safe, in turn, transmits the drop total to the POS terminal.

Commercial Transaction by Customer

In accordance with the present invention, a customer of a merchant has to pay for goods and/or services provided by that merchant, and the merchant employs the system 10 of the present invention to implement the transaction. During a transaction, generally a commercial transaction, the merchant accepts a form of payment from a customer in exchange for the product(s) or service(s) desired by the customer. The form of payment may be via a credit card, a debit card, cash, check or other financial arrangement.

As indicated above, if a customer desires to use a credit card or a debit card, the merchant processes the transaction using POS terminal 40 in the ordinary manner. That is, the merchant swipes the credit or debit card through card reader 46, the merchant enters the amount of the transaction using keypad 44 and POS terminal 40 proceeds with the financial transaction by communication, generally wirelessly, with a financial network, whereby the transaction is either approved or denied. POS terminal 40 may include an integrated printer (e.g., printer 56) for printing of a receipt or, alternatively, communicate with electronic safe 20, which then prints a receipt using a printer integrated within or coupled to or in wireless communication with safe 20. FIG. 6 shows a POS terminal having an integrated printer for printing a paper receipt 58.

When a customer desires to pay by cash, the above-described process (shown in FIG. 8) is carried out in accordance with the present invention. It is noted that the safe may include a coin deposit for receiving coins, identifying the value of each coin, and verifying the authenticity of each coin. The accepted coins also are deposited within a suitable, secure receptacle within the safe. Moreover, the safe may include or be in communication with a coin dispensing system that suitably provides change when necessary. Since the construction and operation of a suitable coin deposit and coin dispensing system are well known in the art, descriptions thereof are not provided herein.

After the above-described cash drop is complete, and verification that there has been sufficient payment for the transaction (i.e., a sufficient amount of cash (and coins) have been deposited into the safe to cover the cost of the goods being purchased), the POS terminal completes the financial transaction and prints a receipt (e.g., receipt 58 shown in FIG. 6).

In one version, a separate system identifies each product or service being purchased (or rented) by the customer and that separate system communicates with POS terminal 40 and/or electronic safe 20 the total monetary amount of the transaction, or the monetary cost of each item, along with, optionally, an identification of each item being purchased. Such a separate system may be a well-known POS device that is capable of identifying an item being purchased (or rented) using, for example, a bar code scanner. For convenience, purchase or renting is hereinafter collectively referred to as a purchase. Also, for convenience, both product and service are hereinafter collectively referred to as a product.

In another version of the present invention, POS terminal 40 includes capability for identifying each item being purchased. For example, POS terminal 40 includes a bar code scanner for identifying the product being purchased. In such version, the merchant uses POS terminal 40 for “scanning” in each item being purchased by the customer. Using a look-up table or by any other known manner, the POS terminal ascertains the cost of each item that is being purchased by the customer. Then, upon completion of scanning in of all items being purchased, display 42 of POS terminal 40 displays the total amount of the transaction. The customer can use a credit or debit card, as discussed above, or the customer may desire to pay with cash or with a check. If the customer desires to pay with cash, the customer provides a sufficient amount of cash to the merchant and the merchant feeds the cash into the safe in the manner previously discussed. Upon completion of the transaction, a receipt is printed that identifies the total amount of the transaction and, preferably, an identification of each item that has been purchased.

Stopping a Bill Validator Drop from POS

FIG. 9 is a schematic flow diagram of the stopping a bill validator drop function that is carried out by the system of the present invention. As discussed above, the Bill Validator Drop function is initiated by the POS terminal and the drop session is initiated with the safe. Also as discussed above, the POS terminal displays a message for the cashier to go to the safe and start inserting bills. However, rather than inserting bills or at any point while entering bills, the cashier is able to select a “Close” function on the POS terminal, at which point the POS terminal instructs the safe to abort (i.e., stop) the drop session.

The safe responds to the POS terminal's request to abort based upon its current status, as follows. If the safe is not busy (discussed below), it stops the drop session and responds to the POS terminal that the drop has successfully stopped. The POS terminal, in turn, discontinues the bill validator drop function and displays a message to the cashier that the drop has been stopped. If, however, the safe is currently in the process of accepting bills, the safe transmits to the POS terminal a “busy” response, and the POS terminal, in turn, displays to the cashier a message that indicates that the drop cannot be stopped and the drop function continues. If the Drop ID transmitted by the POS terminal does not correspond to the Drop ID of the drop currently in process by the safe, then the safe transmits to the POS terminal an “invalid” response, and the drop function continues. The safe also may send a “complete” reply if the drop has been fully completed and, in response, the POS terminal transmits to the safe a request for the drop totals. The safe accordingly responds with the total amount of the drop.

Manual Drop for Cash or Check Tenders

FIG. 10 is a schematic flow diagram of the manual (envelope) drop for cash or check tenders function that is carried out by the system of the present invention. Initially, and similar to the initial steps in the process described in connection with FIG. 8 (bill validator drop), the POS terminal prompts the cashier for a cash (which includes checks) drop, the cashier selects the drop function on the POS terminal, and the POS terminal then displays the “Display Drop Amount entry screen with Bill Validator Button.”

For a manual drop, the cashier enters the drop amount and selects the tender type (cash or check) (i.e., not the bill validator function described above). The cashier may enter more than one drop amount, but all of the drops preferably should be of the same tender type. The POS terminal transmits to the safe a request for a manual drop of the designated drop amount. The request further includes various verification information, such as described above in connection with the bill validator drop. Optionally, the safe will not allow manual drops that exceed a predetermined amount. Upon the safe accepting the drop request and transmitting an appropriate response to the POS terminal, the safe transmits an envelope number to the POS terminal. The POS terminal or, optionally, the safe, prints a ticket that contains the envelope number. The POS terminal then displays an instruction to the cashier to perform the manual drop. The cashier pastes the printed ticket on the envelope, inserts cash or a check within the envelope, and then inserts the envelope within the appropriate receptacle of the safe. After such manual drop, the cashier designates that the drop is complete on the POS terminal, which in turn completes the drop transaction. The safe, as well as the POS terminal, stores the amount of the drop, the envelope number, the contents of the envelope, the date/time of the transaction, the ID of the cashier, and other relevant information. The envelope number is used as the POS reference number. Optionally, a separate Drop ID may be created and associated with the transaction.

Payment by Check

In a consumer purchase transaction, as discussed above, the customer may desire to pay with a check (assuming the merchant accepts payment by check). In accordance with the present invention, the safe may include a check imager 34 (FIG. 7). As a variation, a separate check imager is associated with and in electronic communication with the safe (e.g., a separate check imager is disposed on the safe and in communication with the safe).

During the transaction, the customer provides to the cashier a check in the amount of the transaction. The above-described process shown in FIG. 8 is employed, except the cashier designates an appropriate check/scan drop function within the POS terminal. Upon the above-described communications between the POS terminal and the safe, the POS terminal instructs the cashier to insert the check into the check imager (e.g., check scanner 34 within the safe—FIG. 7). The check scanner images (i.e., “scans”) the front of the check to produce an image file and appropriately deposits the scanned checked within a secure receptacle within the safe. As a variation, both sides of the check are imaged. The cashier designates on the POS terminal that the check/scan drop is complete, at which point the POS terminal completes the transaction wherein the data that is saved with the created Drop ID (used as a reference number for the transaction) includes the image file that represents an image of the check.

In a variation, the processor of the safe (or a processor of a separate check imager) has the capability to capture from the scanned check image various information on the check including, for example, the payee, check number, date, amount of currency, and routing/account number. The captured data is stored within the safe in association with the reference number of the transaction.

Upon completion of the transaction, the POS terminal prints a receipt. Optionally, the safe transmits to the POS terminal the scanned image of the check and the POS terminal prints a receipt that contains an image of the scanned check.

As used herein, the term “check” (spelled “cheque” in various countries) refers to the common understanding of what a check is. More formally, a check is a negotiable instrument that authorizes a financial institution, such as a bank, to transfer to a specified entity a designated amount of money from an account held at that financial institution. There are different types of checks. The most common type of check is an “order” check, which is payable only to the named payee. Other types of checks (or sub-types of order checks) include a bearer check (e.g., made payable to “bearer” or “cash”), a bank check, a certified check, a traveller's check, a money order, a postal order, etc. As provided herein, a “check” may be any of these types of negotiable instruments.

End of Day—Change Business Day on Safe

FIG. 11 is a schematic flow diagram of the End of Day—Business Day Change function that is carried out by the system of the present invention. The POS terminal automatically, as pre-programmed (or, optionally, after a manual user instruction), initiates the “End of Day” process. At initiation, the POS terminal transmits an end-of-day instruction to the safe. If the safe is configured to allow the POS terminal to change its business day (i.e. the “Interface Closes Safe Day” is selected on the safe's general setup), the POS terminal begins the process to change the business day on the safe. The POS terminal requests the current report numbers from the safe and requests the safe to end the business day. The POS terminal request includes a current Day Report Number that was previously received from the safe. If the safe's response to the business day change request is a predetermined number, such as—10300, then an invalid day report number was used in the business day change request, the POS terminal displays an error message to the user, and the business day is not changed on the safe. Also, if the response is another number or set of numbers, such as smaller than 0, then there is an internal error and the business day is not changed on the safe.

If the safe responds to the Business Day Change request with a predetermined success number, such as 0, the safe has successfully performed an end of day operation. The safe, if pre-configured, automatically (or manually instructed), prints a day report on the end of business day (e.g., if the field “Print Report on Interface Close” is selected on the safe's General Set Up screen). The POS terminal transmits to the safe a request for the day report records and, in response, the safe transmits the day report records to the POS terminal. The POS terminal stores the transmitted day report, and proceeds with any existing end of day functionality.

Print Current Safe Reports on POS—Cashier Detail, Regular Shift, Day Report

FIG. 12 is a schematic flow diagram of various other functions that are carried out by the system of the present invention. Such other functions include printing cashier detail, regular shift and day reports from the safe. In particular, the cashier selects any these functions, the POS terminal in turn requests the current report numbers from the safe. The POS terminal then requests the selected report records from the safe for the corresponding current report number, and the POS terminal formats and prints the received report.

During or at the completion of each transaction/function, including a customer transaction wherein payment is made by any number of manners, such as by check, cash, credit card, debit card, etc., the details of each transaction are stored in the safe's memory. Such stored records may be printed by the POS terminal, such as in the manner described above in connection with FIG. 12. Other reports that may be printed or otherwise created by the safe include deposit reports that identify the amounts of cash and/or checks that have been deposited into the safe over a period of time. The safe preferably has business day reporting capability, such as described in the aforementioned patents.

In accordance with the present invention, the safe includes various components including at least one currency acceptor, a processor and associated memory, a communication device, as well as at least one internally disposed secure cassette for storing the accepted cash, along with (optionally) a check imager and a coin dispenser. However, due to the incorporation within the system of the present invention of a POS terminal having an input keypad and a display, along with a card reader, internal processor and communication device, the electronic safe can be, in accordance with the present invention, employed without the inclusion of a keypad or keyboard or a display since, as described herein, the electronic safe and the POS terminal cooperate together during the transaction.

Accordingly, the present invention entails a system that includes an electronic safe without a keypad and without a display, and a POS terminal that communicate with one another during various activities and functions, as described above, including a transaction to purchase goods/services by a customer at a retailer location. Such a system beneficially can be produced at substantially lower cost than systems that utilize an electronic safe that includes its own number/character input system (e.g., keypad) and display system. Moreover, retailers are highly familiar with traditional POS systems and thus the POS system that is employed within the system of the present invention can be utilized by merchants without any significant amount of training. Still further, off-the-shelf type POS terminals may be employed within the system of the present invention by incorporating specialized programming thereof to implement the processes described herein but without the need to modify the hardware of such off-the-shelf type POS terminals.

Bill Payment Function

In accordance with the present invention, the system of the present invention can be employed to enable a merchant to process other types of transactions that differ from those described above. Such other types of transactions include the payment of a bill, such as a utility bill or a credit card bill, by an individual or other entity (e.g., a business). Another type of transaction that also can be carried out by the system of the present invention includes payment of a monthly rental fee, a mortgage payment or other similar type payment.

When an individual, such as a customer of a retailer, desires to pay a utility bill (e.g., an electric bill), the individual (for convenience, the customer) goes to a merchant who employs the system of the present invention. The customer provides the utility bill to the merchant (e.g., a cashier at the merchant) who enters into the POS terminal an instruction to carry out a bill payment transaction. In accordance with the present invention, the POS terminal is programmed to receive such an instruction and, optionally, may be programmed so that depression of a particular key on the POS terminal's keypad designates a bill payment transaction. The POS terminal instructs the cashier to enter a code or, optionally, a name that identifies the entity to be paid (also called vendor herein). Such a code preferably is printed on the bill so that the code may be quickly ascertained. Optionally, the cashier may look-up the code from a book or on a computer. The cashier enters the code using the POS terminal's keypad. In a variation, a bar code or other type of data indicator that uniquely identifies the vendor to be paid is printed on the bill and such bar code (or other type of data indicator) is read using a suitable reader within the POS terminal (e.g., bar code scanner 58—FIG. 7). In yet another variation, the bill is similar in size to a check and the cashier feeds the bill into the check imager of the safe, and information sufficient to identify the vendor is read from the scanned image. The bill may be kept by the safe (e.g., stored within a receptacle within the safe) or, optionally, ejected back to the cashier.

The POS terminal then instructs the cashier to enter the amount of the payment and the process proceeds in a manner similar to any of the above-described processes, as applicable, such as the bill validator drop function shown in FIG. 8 or the manual drop function shown in FIG. 10. For example, if the customer desires to pay by cash, then the process shown in FIG. 8 is implemented, wherein such cash is fed into the safe's currency acceptor. If the customer desires to pay by a check, then a manual drop function as shown in FIG. 10 may be implemented or, alternatively, the check is imaged as described above. Payment may be made in other ways depending on the rules/requirements of that particular merchant and/or the particular vendor being paid. In particular, if acceptable, payment may be made via a credit or debit card. Such rules can be ascertained, if applicable, via information provided in a look-up table (e.g., in a book or using a computer).

At the completion of the bill payment transaction, the POS terminal prints a receipt with all relevant information printed thereon and the cashier provides the printed receipt to the customer. The printed receipt confirms the merchant's receipt of payment for the utility bill. If the bill had been scanned in, then the printed receipt preferably includes a copy of the bill. Similarly, if the customer paid the bill using a check, then the printed receipt preferably includes a copy of the scanned check. Hence, the customer is provided with a complete record of the bill and the manner of payment.

After a customer has paid a bill to a merchant in the manner described herein, payment from the merchant to the vendor (e.g., utility company) may be carried out in various manners. In accordance with one version of the present invention, payment is made by the merchant to each vendor at the close of the merchant's business day by commencing an electronic communication from either the POS terminal or the safe to a third party processing entity that, in turn, carries out the payment to each vendor. Alternatively, payment is made at a different time of day, such as the completion of each respective payment by a customer.

In each version mentioned herein, the safe maintains in its memory records of each payment transaction. Using the version where payment is made by the merchant at the close of the merchant's business day, as an example, and for those transactions in which customers paid bills by cash or check, electronic safe 20 creates a data file that contains the stored payment records, including for each record, the customer identity, the vendor to be paid, the amount to pay that vendor and, optionally as needed, other information such as an identification of the particular bill to be paid. The created data file is transmitted by the safe or, in a variation, the POS terminal, to a third party processing entity, such as the process facilitator disclosed in U.S. Published Patent Application No. US2009/0006249 or as disclosed in U.S. Published Patent Application No. US2009/0222381, which are assigned to the assignee of the present application and which are incorporated herein by reference.

The third party process facilitator (which may be a part of the merchant or a separate entity) includes a suitably programmed computing system (or systems) that receives the electronically transmitted data file. Transmission may occur in any known manner, such as via the Internet, telephone system, a private communications network or other suitable manner. Preferably, transmissions are encrypted to ensure proper security and privacy. Since electronic data transmission and encryption, as well as the hardware/software that are capable to carry out such transmission and encryption, are well known, further description thereof is omitted herein except where necessary for an understanding of the present invention.

The third party process facilitator “advances” a credit to the merchant based upon the funds that have been collected by the merchant (e.g., in check and cash form) and deposited into the safe at the merchant location as reported in the transmitted data file, and arranges for the payment to each identified vendor in the amounts indicated in the records in the names of the customers as also indicated in the transmitted information. Payment by the third party process facilitator may be made via an electronic wire transfer or, if necessary, via a non-electronic manner (e.g., sending a printed check of the third party process facilitator to the vender) or other known manner.

At appropriate times, such as each day or as needed, the cash and checks deposited into the safe at the merchant location are picked up, preferably by an armored car company that securely transfers the collected cash and checks to a proper cash processing facility. A portion of the funds collected by the merchant represent payments to vendors and the remaining funds that have been collected represent funds of the merchant. The cash processing facility makes proper arrangement to deposit funds of the merchant into the appropriate account(s) (e.g., bank account) of the merchant. In a variation, the cash processing facility or the above-mentioned third party process facilitator (which may be the same or different entities) provides an advance credit to the merchant for funds that have been collected by the merchant (i.e., funds collected for purchase transactions). A detailed description of providing advance credit to a merchant for funds that still reside in the safes at the merchant locations and variations thereof are set forth in U.S. Patent Application Publication No. US2009/0006249 and U.S. Published Patent Application No. US2009/0222381, which are assigned to the assignee of the present application and incorporated herein by reference.

In accordance with the present invention, a third party processing facility makes arrangements for the payment to vendors in amounts that correspond to funds that have been received by a merchant for such payment and also makes arrangements for advance credit to that merchant for the other funds that have been collected by the merchant for goods/services sold by that merchant. In addition, in different variations of the present invention, payment to vendors and/or crediting of funds to the merchant can be made at different times, such as multiple times during the course of each business day or once per business day or at the close of business if different from the merchant's business day. As another example, payment by the third party processing facility to a vendor may be made immediately upon completion of a particular payment transaction by a customer. Accordingly, electronic data files transmitted by the system of the present invention to the third party processing facility may be carried out once or multiple times per day.

The herein-described inventive system and process beneficially are well suited for large-scale merchants having many locations. In accordance with the present invention, merchants at different locations (that are part of the same company) receive and collect cash and checks for both purchase transactions and vendor payment transactions. Accordingly, safes at different locations accumulate cash and checks over, for example, a 24-hour time period. The above-described data file is transmitted by the system of the present invention from each respective location to a process facilitator that, in turn, processes the multiple data files. The process facilitator arranges for payment to each identified vendor in an amount as indicated in the records of the multiple data files that have been received. For a large-scale merchant with dozens or perhaps hundreds of locations, it is likely that the same vendor (e.g., a utility company) will need to be paid for multiple customers and the process described herein enables for a single payment (e.g., on a daily basis) by the process facilitator in an amount corresponding to the aggregate of all payments to be made to that particular vendor. In addition to such payment to that vendor, identification of all customers and respective amounts of payment per customer are transmitted to that vendor so that the customer accounts can be properly credited with the respective payments made. Thus, instead of a large vendor receiving possibly hundreds of individual payments (e.g., in a day or week), that large vendor beneficially may receive only a few “large” payments from the process facilitator if the system and process of the present invention are employed.

In addition to the foregoing described benefits, vendors can be provided with historical and statistical information that is gathered by the electronic safes of the present invention, since the safes gather and store information concerning vendors paid, dates of payments, amounts of payment, and for merchants with multiple locations, locations of payment.

As the foregoing-description sets forth, by advancing funds for payment of bills to vendors, merchants are able to collect funds from customers for bill payment and then quickly, perhaps immediately, attend to direct payment to a particular vendor in an amount that corresponds to funds that still reside at the merchant location. Accordingly, customers are credited with bill payment immediately and without the delay that is caused by mailing checks to vendors and other manners of payment. Moreover, customers need not go to the location of the vendor to immediately make payment, but rather are provided the ability to make a payment to nearly any vendor by going to a merchant who is employing the system of the present invention. Merchants benefit by enabling the quick handling of bill payment transactions thereby acquiring the good will of customers who will tend to also shop at those same merchants.

Moreover, the present invention entails a customer simultaneously making a purchase at a merchant location and making a bill payment, wherein the customer simply is able to go up to a merchant (e.g., cashier) with the goods to be purchased and with one or more bills to be paid, and the merchant is able to quickly and conveniently scan in the items to be purchased, scan in or otherwise enter each bill to be paid, and then identifies to the customer a single total amount to be paid by the customer. The customer, in turn, provides a single payment to the merchant, and then the system processes both the purchase and bill payment transactions together in any of the applicable above-described processes. A single or multiple records are created and stored within electronic safe 20 that reflect the multiple transactions and then payment may be made to each vendor in the manner herein described. Accordingly, bill payment becomes quick and efficient for the customer, for the merchant, and for the vendor.

Still further, the system of the present invention enables a customer to make a deposit of funds into his/her bank account (or account at a non-bank entity) wherein the customer identifies the account information to the merchant and the merchant enters the account information in a manner similar to that of identifying a merchant to be paid. The customer likewise can make a deposit into another person's account, such as a relative's account.

The customer can provide the merchant with a deposit slip that includes the bank (or other entity) and account information data and such deposit slip can be imaged by, for example, the check imager of the safe or, if applicable, the barcode scanner on the POS terminal. In a variation, the customer can simply hold up a bank card that contains a suitable marking that can be read by a suitable reader of the POS terminal. Other manners of identifying the bank (or other entity) and account number of the customer can be employed. Then, depositing of funds into that account is carried out by employing the same process described herein with respect to payment of a bill.

Appendix A below is a user's guide in connection with the CompuSafe® safe XML interface and is provided as a technical guide to further assist in the development of a computer interface to the CompuSafe® safe XML Interface.

Accordingly, the system of the present invention comprises an electronic safe and a POS terminal that collectively carry out various transactions including consumer transactions in which customers purchase goods and/or services from a retailer, and to enable individuals to make payments and to make deposits in manners that provide various significant benefits to the customers, to the merchants, and to the vendors.

Having described the present invention including various features and variations thereof, it is intended that the appended claims be interpreted as including the embodiments described herein, the alternatives mentioned above, and all equivalents thereto. 

1. An electronic system for facilitating a financial transaction, comprising: a drop safe disposed at a retailer location, the drop safe having a currency acceptor, an internal cassette, a processor and a communication device, the currency acceptor accepting and authenticating currency fed into the currency acceptor and transferring authenticated currency into the internal cassette, the processor producing deposit reports identifying contents within the sealed cassette, and the communication device capable of transmitting information; a point-of-sale (POS) terminal disposed at the retailer location, the POS terminal being portable and including a processor, an input device, a display, and a communication device capable of communicating with the communication device of the drop safe, the processor of the POS terminal programmed to: commence a drop function upon receipt, via the input device, from a user of the POS terminal of a commence drop function instruction, control the communication device of the POS terminal to transmit a drop request to the drop safe, the processor of the drop safe programmed to: accept the drop request, transmitted by the communication device of the POS terminal and received by the communication device of the drop safe, after carrying out a verification of an appropriateness of the drop request, control the communication device of the drop safe to transmit, upon acceptance of the drop request by the drop safe, a unique Drop ID to the POS terminal, the Drop ID representing the respective drop to be carried out; control, after acceptance of the drop request, the currency acceptor of the drop safe to receive currency fed into the currency acceptor, ascertain a total amount of currency received and authenticated by the currency acceptor, and control the communication device of the drop safe to transmit to the POS terminal, the ascertained total amount of currency received and authenticated by the currency acceptor.
 2. The electronic system of claim 1, wherein the drop safe does not include a keypad or a display.
 3. The electronic system of claim 1, wherein the POS terminal includes a reader capable of reading identification information from at least one of a credit card and a debit card.
 4. The electronic system of claim 1, wherein the processor of the POS terminal is programmed to prompt the user, via the input device, to initiate the drop function during a transaction for a purchase of goods or services by a customer.
 5. The electronic system of claim 4, wherein the processor of the POS terminal is programmed to ascertain a total amount of the cost to purchase the goods or services by the customer, and to prompt the user to initiate the drop function after the total amount of the cost to purchase the goods or services is ascertained by the POS terminal.
 6. The electronic system of claim 4, wherein the processor of the POS terminal is programmed to ascertain an identity of each item to be purchased by the customer, to ascertain a respective cost of each identified item to be purchased, and to ascertain a total amount of the cost to purchase all the items to be purchased by the customer.
 7. The electronic system of claim 1, wherein the input device of the POS terminal includes a dedicated input key selectable by a user to instruct the POS terminal to commence the drop function.
 8. The electronic system of claim 1, wherein the processor of the POS terminal is programmed to prompt the user to enter a tender type upon receipt of the commence drop function instruction, and to receive, via the input device, a tender type, the tender type being one of a bill validator drop and a manual drop, and wherein the processor of the drop safe is programmed to control the currency acceptor to accept currency if the tender type received by the POS terminal is a bill validator drop.
 9. The electronic system of claim 8, wherein the processor of the drop safe is programmed to control the drop safe to accept a manual drop if the tender type received by the POS terminal is a manual drop, the manual drop representing an envelope containing at least one of currency and a check.
 10. The electronic system of claim 1, wherein the processor of the POS terminal is programmed to receive an amount to be dropped, the amount to be dropped representing a total amount of currency to be received by the drop safe.
 11. The electronic system of claim 1, wherein the processor of the POS terminal is programmed to control the communication device of the POS terminal to transmit to the drop safe an identification of the user of the POS terminal, and wherein the processor of the drop safe is programmed to include, during the verification of the appropriateness of the drop request, a verification of the transmitted identification of the user of the POS terminal.
 12. The electronic system of claim 1, wherein the processor of the drop safe is programmed to associate the unique Drop ID with an amount of the respective drop, an identity of the user of the POS terminal, and the date and time of the respective drop.
 13. The electronic system of claim 1, wherein the processor of the POS terminal is programmed to control the communication device of the POS terminal to periodically transmit, to the drop safe, a query for a status of the drop safe during activity being carried out after acceptance, by the drop safe, of the drop request.
 14. The electronic system of claim 13, wherein the processor of the POS terminal is programmed to include, with each query transmitted to the drop safe, the Drop ID; and wherein the processor of the drop safe is programmed to control the communication device of the drop safe to respond to each query with a status of activity pertaining to the transmitted Drop ID.
 15. The electronic system of claim 1, wherein the processor of the POS terminal is programmed to prompt the user to enter a tender type, and to receive, via the input device, a tender type being one of a bill validator drop and a payment by check; wherein the processor of the drop safe is programmed to control the currency acceptor to accept currency if the received tender type is a bill validator drop, and to control an imager in or associated with the drop safe to scan the check to produce an image file if the received tender type is payment by check.
 16. The electronic system of claim 15, wherein the processor of the drop safe is programmed to capture select information from the image file representing the scanned check, the select information including at least one of a payee, an amount of the check, and a routing/account number of the check.
 17. The electronic system of claim 15, wherein the processor of the drop safe is programmed to control the communication device of the drop safe to transmit, to the POS terminal, the image file of the check; and wherein the POS terminal includes a printer, and the processor of the POS terminal is programmed to control the printer to print a receipt having printed thereon an image of the check using the transmitted image file.
 18. The electronic system of claim 1, wherein the processor of the POS terminal is programmed to initiate an End-of-Day process and to control the communication device of the POS terminal to transmit, to the drop safe, an end-of-day instruction upon initiation of the End-of-Day process; and wherein the processor of the drop safe is programmed to effect a change of business day upon receipt, by the communication device of the drop safe, of the end-of-day instruction.
 19. The electronic system of claim 1, wherein the POS terminal includes a printer, and the processor of the POS terminal is programmed to initiate a print select report process and to control the communication device of the POS terminal to transmit to the drop safe, after initiating the print select report process, a request for a select report; wherein the processor of the drop safe is programmed to control the communication device of the drop safe to transmit, to the POS terminal, report data corresponding to the transmitted requested report; and wherein the processor of the POS terminal is further programmed to control the printer to print a report using the report data transmitted by the drop safe.
 20. The electronic system of claim 19, wherein the select report is one of cashier detail report, a regular shift report and a day report.
 21. The electronic system of claim 1, wherein the processor of the POS terminal is programmed to prompt, via the input device, the user of the POS terminal to initiate the drop function during a bill payment transaction in which a customer desires to pay a bill; and wherein the currency accepted by the currency acceptor of the drop safe is from the customer for the purpose of paying the bill.
 22. A process of carrying out a financial transaction, comprising the steps of: prompting, by a portable point-of-sale (POS) terminal, a user of the POS terminal to initiate a drop function; receiving, by the POS terminal from the user, a commence drop function instruction; transmitting, by the POS terminal to a drop safe, a drop request; transmitting, by the drop safe to the POS terminal upon acceptance of the drop request by the drop safe, a unique Drop ID representing the respective drop to be carried out; receiving, by a currency acceptor of the drop safe after acceptance of the drop request, currency; identifying, by the drop safe, an amount of each received currency and verifying, by the drop safe, an authenticity of said each received currency; completing the drop function; transmitting, by the drop safe to the POS terminal, a total amount of the currency received and verified by the drop safe.
 23. The process of claim 22, wherein the step of prompting the user of the POS terminal to initiate the drop function is carried out during a transaction for a purchase of goods or services by a customer, and the user of the POS terminal is a cashier of a retailer from which the customer is purchasing the goods or services.
 24. The process of claim 23, further comprising receiving, by the POS terminal, a total amount of the cost to purchase the goods or services by the customer; and wherein the step of prompting the user of the POS terminal to initiate the drop function is executed upon the POS terminal's receipt of the total amount of the cost to purchase the goods or services by the customer.
 25. The process of claim 23, further comprising the steps of ascertaining, by the POS terminal, an identity of each item to be purchased by the customer; ascertaining, by the POS terminal, a respective cost of each identified item to be purchased; and ascertaining, by the POS terminal, a total amount of the cost to purchase all the items to be purchased by the customer; and wherein the step of prompting the user of the POS terminal to initiate the drop function is executed upon the POS terminal's ascertaining of the total amount of the cost to purchase all the items to be purchased by the customer.
 26. The process of claim 22, wherein receiving, by the POS terminal from the user, a commence drop function instruction comprises identifying, by the POS terminal, of a selection by the user of a dedicated input key on the POS terminal.
 27. The process of claim 22, further comprising: prompting, by the POS terminal in response to receipt of the drop function instruction, the user to enter a tender type; receiving, by the POS terminal from the user, the tender type, wherein the received tender type is one of a bill validator drop and a manual drop; wherein the step of receiving currency by the currency acceptor of the drop safe is commenced only if the received tender type is a bill validator drop.
 28. The process of claim 27, comprising receiving, by the drop safe, a manual drop if the received tender type is a manual drop, wherein the manual drop represents an envelope containing at least one of currency and a check.
 29. The process of claim 22, further comprising receiving, by the POS terminal, an amount to be dropped, the amount to be dropped representing a total amount of currency to be received by the drop safe.
 30. The process of claim 22, further comprising verifying, by the drop safe, an appropriateness of the drop request, wherein the drop safe does not accept the drop request if the drop request is not verified to be appropriate.
 31. The process of claim 30, comprising transmitting, by the POS terminal to the drop safe, an identification of the user of the POS terminal; and wherein the step of verifying, by the drop safe, the appropriateness of the drop request includes verifying the transmitted identification of the user of the POS terminal.
 32. The process of claim 22, wherein the Drop ID is associated with an amount of the respective drop, an identity of the user of the POS terminal, and the date and time of the respective drop.
 33. The process of claim 22, wherein the step of receiving currency comprises receiving by the currency acceptor of the drop safe currency that is manually fed by the user of the POS terminal.
 34. The process of claim 22, comprising transferring, by the drop safe, each received and verified currency within a secure, internal cassette disposed within the drop safe.
 35. The process of claim 22, comprising periodically querying, by the POS terminal, the drop safe to ascertain a status of the drop safe while receiving the currency.
 36. The process of claim 35, wherein the POS terminal, during each query, transmits the Drop ID to the drop safe; and the drop safe, in response to each said query, transmits the status of drop activity corresponding to the transmitted Drop ID.
 37. The process of claim 22, wherein completing the drop function occurs after receipt, by one of the POS terminal and the drop safe, from the user of an instruction designating the drop is complete.
 38. The process of claim 22, further comprising: prompting, by the POS terminal in response to receipt of the drop function instruction, the user to enter a tender type; receiving, by the POS terminal from the user, the tender type, wherein the received tender type is one of a bill validator drop and a payment by check; wherein the step of receiving currency by the currency acceptor of the drop safe is commenced only if the received tender type is a bill validator drop; the process further comprising scanning, by an imager in or associated with the drop safe, a check to produce an image file if the received tender type is payment by check
 39. The process of claim 38, further comprising capturing, by the drop safe, select information from the image file representing the scanned check, the select information including at least one of a payee, an amount of the check, and a routing/account number of the check.
 40. The process of claim 38, further comprising transmitting, by the drop safe to the POS terminal, the image file of the check; and printing, by the POS terminal, a receipt having printed thereon an image of the check using the transmitted image file.
 41. The process of claim 22, comprising initiating, by the POS terminal, an End-of-Day process, wherein the POS terminal, upon initiating the End-of-Day process transmits to the drop safe an end-of-day instruction; and effecting a change of business day, by the drop safe, upon receipt of the end-of-day instruction.
 42. The process of claim 22, comprising initiating, by the POS terminal, a print select report process, wherein the POS terminal, upon initiating the print select report process transmits to the drop safe a request for a select report; transmitting, by the drop safe to the POS terminal, report data corresponding to the requested report; and printing, by the POS terminal, a report using the report data transmitted by the drop safe.
 43. The process of claim 42, wherein the select report is one of cashier detail report, a regular shift report and a day report.
 44. The process of claim 22, wherein the step of prompting the user of the POS terminal to initiate the drop function is carried out during a bill payment transaction in which a customer desires to pay a bill; and wherein the currency received by the drop safe is from the customer for the purpose of paying the bill. 